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only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: The Loughborough Building Society

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Zephyr Homeloans

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Lendinvest

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Tipton Building Society

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Buckinghamshire Building Society

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Bath Building Society

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Platform

Type: adminGeneral

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminMistake 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Dudley Building Society

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Natwest

Type: adminGeneral

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: MPowered Mortgages

Type: adminGeneral

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-adminGeneral 1 2021-05-10

BTL Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Santander

Type: adminGeneral

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

BTL Can Consider Earned Income in Rental Assessment (Topslicing)

Lender: Ipswich Building Society

Type: correction

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 1 2021-05-10

BTL Property Construction: BOPAS accreditation required for non-standard construction

Lender: The Mortgage Works

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages with extra borrowing) (Additional Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages with extra borrowing) (Higher Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages with extra borrowing) (Basic Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages balance swap) (Additional Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: change

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages balance swap) (Higher Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: change

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-adminMistake 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (remortgages balance swap) (Basic Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (purchases) (Additional Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (purchases) (Higher Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-edit 1 2021-05-10

BTL ICR Rental Calculation (Income Coverage Ratio): (purchases) (Basic Rate Tax Payers) 5 YEAR FIX

Lender: Ipswich Building Society

Type: edit

New Search value: 3.5% stressed at 145%

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

BTL Tenants: Holiday Lets

Lender: Ipswich Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Let to Rent

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Remortgage purpose: Land Purchase (maximum LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults registered over 36 Months ago

Lender: Leeds Building Society

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults registered between 24 to 36 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults registered between 12 to 24 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults registered between 3 to 12 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults registered in last 3 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Value of Defaults (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Number of Defaults (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Value of Defaults (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Number of Defaults (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 1

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL CCJs registered over 36 Months ago

Lender: Leeds Building Society

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL CCJs registered between 24 to 36 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL CCJs registered between 12 to 24 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL CCJs registered between 3 to 12 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL CCJs registered in last 3 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Value of CCJs (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Number of CCJs (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Value of CCJs (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Number of CCJs (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 1

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Loan to Value (LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Remortgage purpose: Buy to Let Purchase (maximum LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Remortgage purpose: Debt Consolidation (maximum LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Remortgage purpose: Home Improvements (maximum LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Remortgage purpose: Balance Swap (maximum LTV)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL House/Bungalow Maximum LTV (Standard)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL House/Bungalow Maximum LTV (New Build)

Lender: Leeds Building Society

Type: change

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Flat/Maisonette Maximum LTV (Standard)

Lender: Leeds Building Society

Type: change

New Search value: 75 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Flat/Maisonette Maximum LTV (New Build)

Lender: Leeds Building Society

Type: change

New Search value: 65 percentage

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults (unsatisfied) potentially accepted

Lender: Leeds Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Defaults (satisfied) potentially accepted

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum LTV across the whole portfolio

Lender: Leeds Building Society

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Maximum Aggregate Portfolio LTV (within group or lender)

Lender: Leeds Building Society

Type: change

New Search value: 75

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

BTL Tenants: Holiday Lets

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Woolaway

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Self employed: Self employment income support scheme (SEISS) outstanding

Lender: Barclays

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Large Panel System (LPS)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Debt Relief Order (Satisfied)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Criminal Convictions

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Sole application joint proprietor

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL New Build Warranty: ICW

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Barclays

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Type: Coach house

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Structural Insulated Panel Solutions (SIPs)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Potton Homes

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Off site manufactured (MMC)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Insulating concrete form (ICF)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Dutch barns

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: British Iron and Steel Federation (BISF)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: BOPAS accreditation required for non-standard construction

Lender: Barclays

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Barclays

Type: setup

New Search value: 15

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Remortgage purpose: School/Education fees

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Remortgage purpose: Medical expenses

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Remortgage purpose: Personal investments (not property related)

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Remortgage purpose: Extending a lease

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Type: Basement flat

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-07

BTL Purchase from Limited Company to Individual Name (Related Transaction)

Lender: Barclays

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Property Construction: Converted church

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

BTL Maximum number of students considered on one AST

Lender: Barclays

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

BTL Source of deposit: Gift From Immediate Family

Lender: Vida Homeloans

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Foreign Nationals (WITHOUT indefinite leave to remain)

Lender: Virgin

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Foreign Nationals (with indefinite leave to remain)

Lender: Virgin

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Minimum Landlord Experience (in MONTHS)

Lender: Stafford Railway Building Society

Type: change

New Search value: 0 months

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Minimum ICR across the whole portfolio

Lender: Stafford Railway Building Society

Type: change

New Search value: 5.5% stressed at 140%

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Portfolio Minimum Income Coverage Ratio (ICR) Requirement (within group or lender)

Lender: Stafford Railway Building Society

Type: change

New Search value: 5.5% stressed at 140%

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Debt Relief Order (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Income made up primarily of benefits

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Late Payments (Not Missed)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Ownership: Splitting of a title deed on completion

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Issues: Overage Clause

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Stafford Railway Building Society

Type: change

New Search value: We do not lend on properties with a flying freehold

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Type: Basement flat

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Expat: Holiday Lets

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Energy Performance Rating (EPC) rating 'F' or 'G'

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Construction: Timber framed (Post 1970)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Construction: Timber framed (1900 to 1970)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL Property Construction: Timber framed (Pre 1900)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

BTL Remortgage Purpose: Home Improvements (other property)

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-07

BTL ExPat Deposit source non-UK

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Politically exposed persons

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Returning to UK - Self-Employed

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults registered over 36 Months ago

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults registered between 24 to 36 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults registered between 12 to 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults registered between 3 to 12 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults registered in last 3 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Value of Defaults (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Number of Defaults (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Minimum remaining lease at application

Lender: Stafford Railway Building Society

Type: change

New Search value: 85 years

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL CCJs registered over 36 Months ago

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL CCJs registered between 24 to 36 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL CCJs registered between 12 to 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL CCJs registered between 3 to 12 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL CCJs registered in last 3 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Value of CCJs (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Number of CCJs (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Months passed where Mortgage Arrears can be ignored

Lender: Stafford Railway Building Society

Type: change

New Search value: 24 months

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Unsecured Arrears in last 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: 3

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Mortgage Arrears in last 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: 3

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Back to back (Remortgage - Customer Funded)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Back to Back (Remortgage - Bridging)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Source of deposit: Originated outside of EEA

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Source of deposit: Gift From Immediate Family

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Foreign Nationals (with indefinite leave to remain)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-06

BTL Remortgage purpose: Buy to Let Purchase (maximum LTV)

Lender: Stafford Railway Building Society

Type: edit

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-edit 7 2021-05-06

BTL Remortgage purpose: Home Improvements (maximum LTV)

Lender: Stafford Railway Building Society

Type: edit

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Flat/Maisonette Maximum LTV (Standard)

Lender: Stafford Railway Building Society

Type: change

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum number of storeys considered for lending on flats

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Flat/Maisonette Maximum LTV (New Build)

Lender: Stafford Railway Building Society

Type: change

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Minimum remaining lease at end of term

Lender: Stafford Railway Building Society

Type: change

New Search value: 85 years

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum number of storeys considered for lending on ex local authority flats

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Minimum Property Value for standard Buy to Let lending

Lender: Stafford Railway Building Society

Type: change

New Search value: 100000

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Property Type: Ex local auth flat/maisonette

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Property Type: Flat above commercial offices

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Property Construction: Flying Freehold

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Debt Related: Payday loan (previous)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Unauthorized Overdraft Charges

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Defaults (satisfied) potentially accepted

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Arrears (unsecured)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Arrears (secured/mortgage)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum LTV across the whole portfolio

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Portfolio Applicants Minimum Income Requirement

Lender: Stafford Railway Building Society

Type: change

New Search value: 25000

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum Aggregate Portfolio LTV (within group or lender)

Lender: Stafford Railway Building Society

Type: change

New Search value: 70

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Portfolio Landlord Minimum Experience

Lender: Stafford Railway Building Society

Type: change

New Search value: No Minimum months

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Full Time Landlord

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Maximum number of rental properties MORTGAGED with ALL lenders

Lender: Stafford Railway Building Society

Type: change

New Search value: 10

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Portfolio Landlords Position and Definition

Lender: Stafford Railway Building Society

Type: change

New Search value: Accepted

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Expat UK Credit Profile Required

Lender: Stafford Railway Building Society

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Expat minimum income

Lender: Stafford Railway Building Society

Type: change

New Search value: 40000

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Expat Buy to Let

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL First Time Buyers

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL First Time Landlords

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Japanese Knotweed

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Self-Employed: Bounce Back Loan Scheme (BBLS) outstanding

Lender: The Mortgage Works

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Unadopted Roads

Lender: The Mortgage Works

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Remortgage purpose: Personal investments (not property related)

Lender: The Mortgage Works

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Debt Management Plan (satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: The Mortgage Works

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Property Construction: Tower Block with Cladding

Lender: The Mortgage Works

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Covid-19: Policy

Lender: The Mortgage Works

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-correction 7 2021-05-06

BTL Energy Performance Rating (EPC) rating 'F' or 'G'

Lender: The Mortgage Works

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

BTL Ltd Co BTL: Source of deposit is from applicants other company

Lender: The Mortgage Works

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

BTL Minimum Loan Size

Lender: The Mortgage Lender

Type: change

New Search value: 50000

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

BTL Minimum Income Requirement

Lender: Natwest

Type: change

New Search value: 25000

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

BTL Source of deposit: Unsecured Loan

Lender: Keystone Property Finance

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

BTL Visas: Working Visa (Tier 2 - Long-term work visas)

Lender: Santander

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL Covid-19: Policy

Lender: Coventry Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-correction 7 2021-05-05

BTL Portfolio Landlords Position and Definition

Lender: Coventry Building Society

Type: correction

New Search value: Accepted

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL Criminal Convictions

Lender: Castle Trust

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL Visas: Minimum number months remaining on visa

Lender: Castle Trust

Type: setup

New Search value: No Minimum

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL Historic CIFAS Record (Years)

Lender: Castle Trust

Type: setup

New Search value: No Minimum years

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL Offer expiry time (New Build)

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable days

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: ICW

Lender: Accord Mortgages

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Protek

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Premier Guarantee Scheme

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: NHBC Guarantee

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: LABC

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Global Home Warranties

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Checkmate (Castle 10)

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Buildzone

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Building Life Plans

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: Build Assure

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

BTL New Build Warranty: AEDIS

Lender: Accord Mortgages

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-04

BTL Minimum Loan Size

Lender: Precise Mortgages

Type: correction

New Search value: 40000

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

BTL Can Consider Earned Income in Rental Assessment (Topslicing)

Lender: Precise Mortgages

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 7 2021-05-04

BTL Soft Footprint on Credit Search?

Lender: Natwest

Type: edit

New Search value: No (Full Footprint)

Read Policy Notes
only-criteria criteria-edit 7 2021-05-04

BTL Property Ownership: Splitting of a title deed on completion

Lender: Natwest

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 2021-04-29

BTL Maximum Aggregate Portfolio LTV (within group or lender)

Lender: Zephyr Homeloans

Type: setup

New Search value: 70

Read Policy Notes
only-criteria criteria-adminGeneral 2021-04-29

BTL Limited Company (Trading) applicant definition

Lender: Zephyr Homeloans

Type: adminGeneral

New Search value: Does not lend to Trading Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2021-04-29

BTL Limited Company (SPV) maximum number of applicants

Lender: Zephyr Homeloans

Type: setup

New Search value: 4

Read Policy Notes
only-criteria criteria-adminMistake 2021-04-29

BTL Limited Company (Trading) shareholders required to provide personal guarantees

Lender: Zephyr Homeloans

New Search value: Does not lend to Trading Ltd Companies

Read Policy Notes
only-criteria criteria-setup 2021-04-29

BTL Limited Company (SPV) Minimum trading period

Lender: Zephyr Homeloans

Type: setup

New Search value: No Minimum months

Read Policy Notes
only-criteria criteria-edit 2021-04-29

BTL First Time Buyers

Lender: Vida Homeloans

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2021-04-29

BTL Minimum Property Value for standard Buy to Let lending

Lender: Gatehouse Bank

Type: change

New Search value: 100000

Read Policy Notes
only-criteria criteria-change 2021-04-29

BTL HMO Minimum Property Value

Lender: Gatehouse Bank

Type: change

New Search value: 100000

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Employment Income: Commission (annual)

Lender: Nationwide Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Interest only: Pension Lump Sum

Lender: Ipswich Building Society

Type: correction

New Search value: Yes

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Interest only: Sale of other unencumbered property

Lender: Ipswich Building Society

Type: correction

New Search value: Yes

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Interest only: Sale of other mortgaged property

Lender: Ipswich Building Society

Type: correction

New Search value: Yes

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Interest only: Sale of mortgaged property

Lender: Ipswich Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 1 2021-05-10

RESI Mortgage guarantee scheme (2021)

Lender: Nationwide Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Expat Residential Mortgage

Lender: Ipswich Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults registered over 36 Months ago

Lender: Leeds Building Society

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults registered between 24 to 36 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults registered between 12 to 24 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults registered between 3 to 12 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults registered in last 3 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Value of Defaults (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Number of Defaults (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Value of Defaults (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Number of Defaults (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 1

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI CCJs registered over 36 Months ago

Lender: Leeds Building Society

Type: change

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI CCJs registered between 24 to 36 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI CCJs registered between 12 to 24 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI CCJs registered between 3 to 12 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI CCJs registered in last 3 Months

Lender: Leeds Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Value of CCJs (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Number of CCJs (Unsatisfied)

Lender: Leeds Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Value of CCJs (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Maximum Number of CCJs (Satisfied)

Lender: Leeds Building Society

Type: change

New Search value: 1

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 1 2021-05-10

RESI Defaults (satisfied) potentially accepted

Lender: Leeds Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 1 2021-05-10

RESI Applicants on Furlough

Lender: Ipswich Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Benefit Income: Disability Living Allowance (DLA)

Lender: Barclays

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Employment Income: Foreign currency

Lender: Barclays

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-07

RESI Benefit Income: Child Tax Credits

Lender: Barclays

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Mortgage guarantee scheme (2021)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Split Mortgage Terms

Lender: Barclays

Type: setup

New Search value: Allowed

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Family assist 100% mortgages

Lender: Barclays

Type: setup

New Search value: Offered (Subject to product availability)

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Visas: Minimum number months remaining on visa

Lender: Barclays

Type: setup

New Search value: No Minimum

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Employment : Zero Hours Contract Minimum Time in Position (in Months)

Lender: Barclays

Type: edit

New Search value: 3

Read Policy Notes
only-criteria criteria-correction 7 2021-05-07

RESI Lending Location: Isle of Wight

Lender: Barclays

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Soft Footprint on Credit Search?

Lender: Barclays

Type: edit

New Search value: No (Full Footprint)

Read Policy Notes
only-criteria criteria-correction 7 2021-05-07

RESI Credit Checks with Experian

Lender: Precise Mortgages

Type: correction

New Search value: Yes

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Back to back (Sub Sale Purchase - Other)

Lender: Accord Mortgages

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage Purpose: Pay Tax Bill

Lender: Scottish Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Mortgage guarantee scheme (2021)

Lender: TSB

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Other Income: Lodger Income

Lender: Clydesdale Bank

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Right to buy remortgage within pre-emption period - Balance swap

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Guarantors: Where applicant significant income growth is not expected

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Guarantors: Reverse (younger applicant guarantor for older applicant)

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits BEFORE CORPORATION TAX)

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Self employed: Self employment income support scheme (SEISS) outstanding

Lender: Barclays

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Help to Buy Equity Loan (2021-2023)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Discount Market Scheme

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Debt Relief Order (Satisfied)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Applicants on Furlough

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Buy for University (Student Mortgages)

Lender: Barclays

Type: setup

New Search value: Not Offered

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Shared Ownership remortgage purpose: Capital raising for home improvements

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Right to buy remortgage within pre-emption period - Capital raising

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Barclays

Type: setup

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Source of deposit: Gift From Immediate Family

Lender: Vida Homeloans

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-07

RESI Income made up primarily of benefits

Lender: Virgin

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Pension Income: Self-invested Personal Pension (SIPPs)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits AFTER CORPORATION TAX)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Pension Income: Pension (Company)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Other Income: Income protection/Permanent Health Insurance

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI First Home Fund (Shared Equity Scheme - Scotland Only)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Properties with Occupancy Restrictions

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Property Construction: Large Panel System (LPS)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Sole application joint proprietor

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage purpose: Capital raise for BTL where property not yet found

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage purpose: School/Education fees

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage purpose: Medical expenses

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage purpose: Lifestyle (holidays, car's, non essential spending etc)

Lender: Barclays

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-07

RESI Remortgage purpose: Personal investments (not property related)

Lender: Barclays

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Mortgage guarantee scheme (2021)

Lender: Stafford Railway Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI CCJs registered between 24 to 36 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI Maximum number of storeys considered for lending on flats

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-edit 7 2021-05-06

RESI Late Payments (Not Missed)

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-06

RESI Defaults (satisfied) potentially accepted

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI Maximum Loan to Value (LTV) for Interest Only mortgages

Lender: Ipswich Building Society

Type: change

New Search value: 70 percentage

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Property Construction: BOPAS accreditation required for non-standard construction

Lender: Nationwide Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI Age Limits: Maximum Age at End of Mortgage Term

Lender: Ipswich Building Society

Type: change

New Search value: 95 years

Read Policy Notes
only-criteria criteria-correction 7 2021-05-06

RESI Age Limits: Maximum Age at Term End Without Pension Proof ( max retirement age )

Lender: Ipswich Building Society

Type: correction

New Search value: 75 years

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Mortgage guarantee scheme (2021)

Lender: Dudley Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Self employed: Self employment income support scheme (SEISS) outstanding

Lender: Dudley Building Society

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Self-Employed: Bounce Back Loan Scheme (BBLS) outstanding

Lender: Nationwide Building Society

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI New Build Warranty: ICW

Lender: Nationwide Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Property Construction: EWS1 required on properties with combustible cladding or materials on balconies?

Lender: Nationwide Building Society

Type: setup

New Search value: Yes

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Property Construction: Tower Block with Cladding

Lender: Nationwide Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Shared Ownership remortgage purpose: Capital raising for home improvements

Lender: Nationwide Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-06

RESI Maximum Loan to Value (LTV) for Retirement Interest Only (RIO): Purchases

Lender: Nationwide Building Society

Type: correction

New Search value: 50

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI First Home Fund (Shared Equity Scheme - Scotland Only)

Lender: Nationwide Building Society

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI Minimum Loan Size

Lender: Ipswich Building Society

Type: change

New Search value: 50000

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI CCJs registered over 36 Months ago

Lender: Tipton Building Society

Type: setup

New Search value: Potentially Ignored

Read Policy Notes
only-criteria criteria-change 7 2021-05-06

RESI Foreign Nationals (WITHOUT indefinite leave to remain)

Lender: Ipswich Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-06

RESI Foreign Nationals (with indefinite leave to remain)

Lender: Bath Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-06

RESI Mortgage guarantee scheme (2021)

Lender: United Trust Bank

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

RESI Months passed where Mortgage Arrears can be ignored

Lender: Stafford Railway Building Society

Type: change

New Search value: 36

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

RESI Maximum Unsecured Arrears in last 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: 3

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

RESI Maximum Mortgage Arrears in last 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: 3

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

RESI Arrears (unsecured)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-05

RESI Arrears (secured/mortgage)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-05

RESI Income Multiple (single) Maximum

Lender: Santander

Type: edit

New Search value: 5.5

Read Policy Notes
only-criteria criteria-edit 7 2021-05-05

RESI Income Multiple (Joint) Maximum

Lender: Santander

Type: edit

New Search value: 5.5

Read Policy Notes
only-criteria criteria-edit 7 2021-05-05

RESI Employment Income: Parental/Maternity leave pay (back to work salary)

Lender: Coventry Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Mortgage guarantee scheme (2021)

Lender: Melton Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: No search indemnity insurance (remortgages)

Lender: Melton Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: No search indemnity insurance (purchases)

Lender: Melton Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: Private local authority search (remortgages)

Lender: Melton Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: Private local authority search (purchases)

Lender: Melton Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Pension Income: Self-invested Personal Pension (SIPPs)

Lender: MBS Lending

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Other Income: Seafarer

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Mortgage guarantee scheme (2021)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: No search indemnity insurance (remortgages)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: No search indemnity insurance (purchases)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: Private local authority search (remortgages)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Legal: Private local authority search (purchases)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Self employed: Self employment income support scheme (SEISS) outstanding

Lender: MBS Lending

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Help to Buy Equity Loan (2021-2023)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Discount Market Scheme

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI First Home Fund (Shared Equity Scheme - Scotland Only)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Inter-family sales (no discount)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Properties with Occupancy Restrictions

Lender: MBS Lending

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Debt Relief Order (Satisfied)

Lender: MBS Lending

Type: setup

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Ex MOD properties

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-05

RESI Shared Ownership

Lender: MBS Lending

Type: edit

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Self-Employed: Bounce Back Loan Scheme (BBLS) outstanding

Lender: MBS Lending

Type: setup

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-05

RESI Property Construction: Large Panel System (LPS)

Lender: MBS Lending

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-04

RESI Soft Footprint on Credit Search?

Lender: Natwest

Type: edit

New Search value: No (Full Footprint)

Read Policy Notes
only-criteria criteria-edit 7 2021-05-04

RESI Property Ownership: Splitting of a title deed on completion

Lender: Natwest

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed Income: Limited Company Directors (Salary and Share of Net Profits AFTER CORPORATION TAX)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed Income: Limited Company Retained Profits

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed Income: Net Profit (for sole traders and partnerships)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed Income: Limited Company Directors (Salary and Net Profits)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed Income: Limited Company Directors (Salary and Dividends)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Investment Income: Investment Income (not rent)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Overtime (less than monthly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Overtime (weekly or monthly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Commission (annual)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Commission (half yearly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Commission (quarterly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Commission (monthly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Parental/Maternity leave pay (back to work salary)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: Probationary contract

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: Agency work

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: Zero Hours Contract

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: IT Consultant

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: CIS Contractor

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Contractor Income: Fixed Term Contract

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Shift Allowance

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Additional Responsibility Allowance

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Additional Duty Hours

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Bonus (Annual)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Bonus (Half Yearly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Visas: Minimum number months remaining on visa

Lender: Digital Mortgages by Atom bank

Type: change

New Search value: We do not lend to foreign nationals on a visa

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Bonus (Quarterly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment Income: Bonus (Monthly)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Other Income: Foster Care Income

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Type: Coach house

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Flying Freehold: Maximum acceptable percentage of the gross floor area

Lender: Stafford Railway Building Society

Type: change

New Search value: We do not lend on properties with a flying freehold

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment: CIS Contractor Assessment

Lender: Stafford Railway Building Society

Type: change

New Search value: Treated as Self Employed

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Construction: Timber framed (Post 1970)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Construction: Timber framed (1900 to 1970)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Construction: Timber framed (Pre 1900)

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Defaults registered between 24 to 36 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Defaults registered over 36 Months ago

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Defaults registered between 12 to 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Defaults registered between 3 to 12 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Defaults registered in last 3 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Value of Defaults (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: 500

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Number of Defaults (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment : Zero Hours Contract Minimum Time in Position (in Months)

Lender: Stafford Railway Building Society

Type: change

New Search value: 36

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Income made up primarily of benefits

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-04

RESI Mortgage guarantee scheme (2021)

Lender: Mansfield Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-04

RESI Mortgage guarantee scheme (2021)

Lender: Foundation Home Loans

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-04

RESI Mortgage guarantee scheme (2021)

Lender: Family Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-setup 7 2021-05-04

RESI Mortgage guarantee scheme (2021)

Lender: Chorley Building Society

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-04

RESI Visas: Working Visa (Tier 1 - Investors, entrepreneurs and talent visas)

Lender: Digital Mortgages by Atom bank

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-04

RESI Visas: Family Visa (Spousal etc)

Lender: Digital Mortgages by Atom bank

Type: correction

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI CCJs registered over 36 Months ago

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Ignored

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI CCJs registered between 12 to 24 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI CCJs registered between 3 to 12 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI CCJs registered in last 3 Months

Lender: Stafford Railway Building Society

Type: change

New Search value: Potentially Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Value of CCJs (Unsatisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: 0

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Value of CCJs (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Number of CCJs (Satisfied)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Maximum

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Usage: Mixed Use Residential / Commercial

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Type: Flat above shop (not food outlet)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment: Contractors Minimum Experience Requirement (Months)

Lender: Stafford Railway Building Society

Type: change

New Search value: No Minimum months

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Arrangement Fees Can Be Added When Exceeding LENDING LTV Limits

Lender: Stafford Railway Building Society

Type: change

New Search value: No

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Arrangement Fees Can Be Added When Exceeding PRODUCT LTV Limits

Lender: Stafford Railway Building Society

Type: change

New Search value: No

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest Only: Minimum Equity Requirement

Lender: Stafford Railway Building Society

Type: change

New Search value: 300000

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest Only: Minimum Income Requirement

Lender: Stafford Railway Building Society

Type: change

New Search value: 50000

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Maximum Loan to Value (LTV) for Interest Only mortgages

Lender: Stafford Railway Building Society

Type: change

New Search value: 50 percentage

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Employment: Contractors Weekly Multiplier for Income Assessment

Lender: Stafford Railway Building Society

Type: change

New Search value: 48 weeks

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Lodgers

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property with Annex where Annex will be Let

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Type Studio Flat Minimum Floor Area (Sq Metres)

Lender: Stafford Railway Building Society

Type: change

New Search value: 35

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Construction: Majority Flat Roof

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest only: Other assets

Lender: Stafford Railway Building Society

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Type: Ex local authority house/bungalow

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Type: Flat above commercial offices

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Minimum Property Value

Lender: Stafford Railway Building Society

Type: change

New Search value: 100000

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest only: Pension Lump Sum

Lender: Stafford Railway Building Society

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Japanese Knotweed

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Source of deposit: Gift From Immediate Family

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Let to Buy (Onward Purchase)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Construction: Flying Freehold

Lender: Stafford Railway Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest only: Sale of other unencumbered property

Lender: Stafford Railway Building Society

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Property Usage: Live/Work units

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Minimum remaining lease at end of term

Lender: Stafford Railway Building Society

Type: change

New Search value: 85 years

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Minimum remaining lease at application

Lender: Stafford Railway Building Society

Type: change

New Search value: 85 years

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest only: Existing endowment or ISA

Lender: Stafford Railway Building Society

Type: change

New Search value: Yes

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Interest only: Sale of mortgaged property

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-edit 7 2021-05-04

RESI Back to back (Sub Sale Purchase - Other)

Lender: Stafford Railway Building Society

Type: edit

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed: Loss in Latest Year

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed: Latest years self employed figures for affordability

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Self Employed: Minimum length of time self employed (months)

Lender: Stafford Railway Building Society

Type: change

New Search value: 24 months

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Age Limits: Interest Only Maximum Age at end of term

Lender: Stafford Railway Building Society

Type: change

New Search value: 85

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI Debt Related: Payday loan (previous)

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 7 2021-05-04

RESI County Court Judgements (CCJs) (Satisfied) potentially accepted

Lender: Stafford Railway Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-04

RESI Property Type: Farmhouse (where farmhouse and land are contiguous)

Lender: Stafford Railway Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 7 2021-05-04

RESI Age Limits: Minimum Age at Application

Lender: Stafford Railway Building Society

Type: correction

New Search value: 18 years

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI House/Bungalow Maximum LTV (Standard)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI House/Bungalow Maximum LTV (New Build)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-setup 2021-04-30

RESI Sole application joint proprietor

Lender: Saffron For Intermediaries

Type: setup

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI Flat/Maisonette Maximum LTV (Standard)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-change 2021-04-30

RESI Employment Income: Bonus (Annual)

Lender: Nationwide Building Society

Type: change

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI Flat/Maisonette Maximum LTV (New Build)

Lender: Stafford Railway Building Society

Type: correction

New Search value: 80 percentage

Read Policy Notes
only-criteria criteria-edit 2021-04-30

RESI Self Build: Maximum loan amount

Lender: Saffron For Intermediaries

Type: edit

New Search value: 3000000

Read Policy Notes
only-criteria criteria-change 2021-04-30

RESI Right to Buy additional lending above discounted price

Lender: Cambridge Building Society

Type: change

New Search value: Not Acceptable

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI Right to Buy Maximum LTV (of discounted purchase price)

Lender: Cambridge Building Society

Type: correction

New Search value: 95 percentage

Read Policy Notes
only-criteria criteria-correction 2021-04-30

RESI Right to Buy

Lender: Cambridge Building Society

Type: correction

New Search value: Acceptable

Read Policy Notes
only-criteria criteria-change 2021-04-30

RESI Flat/Maisonette Maximum LTV (Standard)

Lender: Hinckley and Rugby Building Society

Type: change

New Search value: 80 percentage

Read Policy Notes
only-news news-News news-90 per cent LTV mortgage news-90% LTV mortgage news-Beverley Building Society 1 2021-05-10

Beverley BS offers limited edition 90 per cent LTV deal

Beverley Building Society has launched a 90 per cent loan to value (LTV) two-year fixed-rate deal at 2.99 per cent.

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only-news news-News news-Buy-to-let news-Habito news-landlord mortgage 1 2021-05-10

Habito brings back 80 per cent LTV BTL deals

Habito has returned to 80 per cent loan to value (LTV) lending in the buy-to-let market.

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only-news news-Complex Buy To Let news-News news-Specialist Lending news-CHL Mortgages news-Fleet Mortgages news-Ross Turrell news-topstories 1 2021-05-10

CHL Mortgages hires former Fleet manager and trio of BDMs

CHL Mortgages has begun re-building its sales team after its return to buy-to-let lending with the appointment of a national accounts manager and a trio of business development managers (BDM).

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only-news news-News news-bridging news-Cabot Capital news-complex buy to let news-experienced landlords news-lendco news-private equity news-spf lendco news-SPF Private Clients 1 2021-05-10

Lendco motors as SPF Private Clients looks to lift brakes

The job of leading SPF Private Clients in the past few years has been not without frustration.

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only-news news-Better Business news-Business Skills news-buy to let news-Dynamo news-investment property news-Ying Tan 1 2021-05-10

Holiday-let market gears up in spring product refresh – Ying Tan

As a welcomed and sustained period of spring sunshine emerged, this was accompanied by a raft of activity across the BTL market especially around holiday lets.

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only-news news-Better Business news-Business Skills news-Success in Practice 1 2021-05-10

Product transfers: Benefit to the customer or the lender?

There’s no doubt that lenders continue to streamline processes and systems, and upgrade technology, to make it easier for their existing borrowers to product transfer at the end of their special deals.

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only-news news-News news-API integration news-MoneySupermarket news-moneysupermarket.com news-NatWest 1 2021-05-10

NatWest plugs mortgage application API into Moneysupermarket.com

NatWest has become the third mortgage lender to be integrated into the MoneySuperMarket platform, allowing borrowers to get a quick decision in principle for a remortgage application.

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only-news news-News news-Mortgage Administrator iVENT news-Skipton Building Society news-stress at work 1 2021-05-10

Mortgage Administrator Online event to target pandemic stress and wellbeing

Advice on how to manage stress and enhance wellbeing will be shared at the Mortgage Administrator Online Event next month.

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only-news news-News news-Bank of England news-Moneyfacts news-mortgage advice news-mortgage choice news-mortgage products 1 2021-05-10

Mortgage products up 53 per cent as borrowing breaks BoE records

The number of mortgages has risen for seven months in-a-row to register a 53 per cent rise since last March, as borrowing hit the highest level ever on Bank of England records.

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only-news news-News news-average house prices news-Halifax news-Halifax house price index news-rising house prices 1 2021-05-10

House prices exceed record high with 8.2 per cent YoY jump – Halifax

House prices in the UK rose 8.2 per cent year-on-year to £258,204 in April, the Halifax house price index showed, surpassing the record high of £254,606 recorded in March.

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only-product product-New 1 2021-05-11

Furness B.Soc

New Product Launched

New products launched

only-product product-New 1 2021-05-11

Darlington

New Product Launched

New products launched

only-product product-New 1 2021-05-10

Halifax

New Product Launched

range revised

only-product product-New 7 2021-05-06

Nottingham

New Product Launched

New products launched

only-product product-New 7 2021-05-06

Melton Mowbray

New Product Launched

New Holiday Let product launched

only-product product-New 7 2021-05-06

HSBC Intermediary

New Product Launched

Product codes, rates and 2 new 95% LTV Switcher products added

only-product product-New 7 2021-05-05

West Bromwich

New Product Launched

revised Switcher range and extended end dates

only-product product-Amended 7 2021-05-05

Foundation HomeLoans

Product Amended

Revised BTL Limited Edition products

only-product product-New 7 2021-05-04

Skipton B.Society

New Product Launched

range revised

only-product product-New 2021-05-01

Tipton + Coseley

New Product Launched

Revised products

only-product product-New 2021-04-30

Loughborough B.S.

New Product Launched

New products launched

only-product product-New 2021-04-30

Accord Mortgages

New Product Launched

Residential PT range updated

only-product product-New 2021-04-29

NatWest Intermediary

New Product Launched

New products launched

only-product product-New 2021-04-29

Leek United BS

New Product Launched

New products launched

only-product product-New 2021-04-28

Leeds B Society

New Product Launched

New products launched

only-product product-New 2021-04-28

Leeds Retention

New Product Launched

New products launched

only-product product-New 2021-04-28

Vida Homeloans

New Product Launched

New HTB launched & BTL range updated

only-product product-New 2021-04-28

1APP@TFC - Vida

New Product Launched

New HTB launched & BTL range updated

only-product product-New 2021-04-28

Dynamo F-I - Vida

New Product Launched

New HTB launched & BTL range updated

only-product product-New 2021-04-28

Positive Lending-VHL

New Product Launched

New HTB launched & BTL range updated

only-product product-New 2021-04-28

TBMC-Vida Homeloans

New Product Launched

BTL range updated

only-product product-New 2021-04-28

Saffron B.Society

New Product Launched

New products launched

only-product product-New 2021-04-28

Progressive B.Soc.

New Product Launched

Launched new Home Improvement Remortgage Products

only-product product-New 2021-04-28

Vernon BS

New Product Launched

Launched New Discount rate

only-product product-Deleted 2021-04-28

Post Office Mtgs

Product Withdrawn

Withdrawn BTL ICR and Top slicing products

only-product product-New 2021-04-27

Keystone

New Product Launched

New Green products added

only-product product-Amended 2021-04-27

TBMC - Landbay

Product Amended

Revised Products

only-product product-Deleted 2021-04-27

L + G Club - WestOne

Product Withdrawn

Withdrawn Exclusive

only-product product-New 2021-04-26

Paragon Residential

New Product Launched

Residential range updated with new codes and dates

only-product product-Deleted 2021-04-26

TBMC - Saffron B Soc

Product Withdrawn

Product withdrawn

only-product product-New 2021-04-23

Hinckley + Rugby BS

New Product Launched

New product launched

only-product product-New 2021-04-23

Foundation HomeLoans

New Product Launched

Revised Residential products

only-product product-New 2021-04-23

Beverley

New Product Launched

New Fixed product launched